I got a call from a number registered to a collection agency (I looked it up online).
When I answered, knowing some of the Fair Debt Collection Practices Act, they asked if I was Phillip. I asked him if the call was an attempt to collect a debt and he told me "I cannot discuss personal information without first identifying who you are...". He then tried to get me to verify my name and mailing address. I told him no and that if the call is an attempt to collect a debt, he is required to say so under the FDCPA.
He then proceeded to tell me that some new law prevents him from discussing vital information without verifying. I then told him "I'm giving you a Cease and Desist order and any further calls from your company will be a violation of FDCPA." and I hung up.
What would be the next best step? I am pretty much aware that he just violated FDCPA by refusing to state the nature of the call. Should I mail a letter to this company demanding they remove whatever they are reporting on me from my credit report due to the FDCPA violation? If so, can you link a sample letter to do so?
Should I report this to the 3 credit bureaus instead, using a sample letter?